This article aims to assess the loss of financial well-being in the COVID-19 pandemic. The developed theoretical model identifies the impacts of the perception of financial risk and financial anxiety on financial well-being. It also seeks, through a comparative analysis, to assess whether public servants, due to their status of job stability in Brazil, are less likely to have the effects of the pandemic than private employees. A survey was carried out on 1222 Brazilians with structural equation modeling and multi-group invariance tests. The results indicate that lower financial well-being is influenced by the level of financial anxiety and financial risk. Public servants perceive fewer losses in financial well-being, anxiety and risks than other professions. In the pandemic context, where the risks of unemployment and loss of income are increased, job stability works like an insurance, allowing public servants greater financial security and then minor losses of financial well-being. Evidence indicates that in countries where a large percentage of workers have temporary or informal jobs, the challenge of reducing the financial impacts of the pandemic will be great. Interventions to alleviating anxiety and public policies of income transfer and reduction of unemployment are instruments to reduce the loss of financial well-being.

本文旨在评估 COVID-19 大流行期间财务状况的损失。开发的理论模型确定了财务风险和财务焦虑的感知对财务福祉的影响。它还试图通过比较分析来评估公务员是否由于其在巴西的工作稳定状况而比私人雇员更不可能受到大流行的影响。使用结构方程建模和多组不变性测试对 1222 名巴西人进行了调查。结果表明，较低的财务幸福感受财务焦虑和财务风险水平的影响。与其他职业相比，公务员认为财务状况、焦虑和风险方面的损失更少。在大流行背景下，失业和收入损失的风险增加，工作稳定性就像保险一样，可以让公务员获得更大的财务保障，从而减少财务状况的损失。有证据表明，在大部分工人从事临时或非正规工作的国家，减少大流行病的财务影响将面临巨大挑战。减轻焦虑的干预措施以及收入转移和减少失业的公共政策是减少经济福祉损失的工具。